...car from 2 different accident? I recently had an accident in which someone hit my car and did $2k worth of damage. A month or so later (today actually 14 JUN 09), part of a tree fell and did damage to my vehicle. Since the insurance company had already written me a check for the 1st accident, can I cancel my repairs, and claim the total damage using my insurance, and just pay my deductible, so I wouldn't have to dish out a $1000 out of pocket, but use the money from the prior claim?